TAILIEUCHUNG - Ebook Principles of risk management and insurance (12th edition): Part 2

(BQ) Part 2 book "Principles of risk management and insurance" has contents: Social insurance, the liability risk, homeowners insurance, section II, auto insurance, auto insurance and society, other property and liability insurance coverages, commercial property insurance, crime insurance and surety bonds,.and other contents. | CHAPTER 15 HEALTH-CARE REFORM; INDIVIDUAL HEALTH INSURANCE COVERAGES “The supreme court’s decision to uphold the Affordable Care Act ensures hard-working, middle class families will get the security they deserve and protects every American from the worst insurance company abuses.” Learning O bj e c ti v e s After studying this chapter, you should be able to ◆ Explain the major health-care problems in the United States. ◆ Identify the major provisions of the Affordable Care Act that affect individuals and families. ◆ Describe the basic characteristics of individual medical expense insurance. ◆ Identify the basic characteristics of health savings accounts (HSA). ◆ Describe the key characteristics of long-term care insurance. ◆ Describe the major characteristics of disability-income insurance contracts. 295 J ustin, age 32, is a self-employed carpenter who was recently diagnosed with a brain tumor that required immediate surgery. The surgeon’s fee, hospital expenses, other medical bills, and lost earnings totalled more than $125,000. Like many self-employed individuals, Justin had no health insurance. In addition, he could not work for six months and did not have a disability-income policy to restore his lost earnings. Because of the lack of health insurance, Justin was exposed to serious economic insecurity because of the unexpected surgery. He eventually had to declare bankruptcy. As Justin’s experience demonstrates, health insurance should receive high priority in a personal risk management program. If you are seriously ill or injured, you face two major problems: payment of your medical bills and the loss of earned income. A severe illness or injury can result in catastrophic medical bills. Without proper protection, you may have to pay thousands of dollars out of your own pocket for medical bills. In addition, a lengthy disability can result in the loss of substantial amounts of earned

• Bảo hiểm
• Risk management
• Social insurance
• The liability risk
• Homeowners insurance
• Liability insurance coverages
• Commercial property insurance
• Crime insurance
• Lecture Risk management
• Financial institutions
• Classification of risk
• Benefits of risk management
• Risk management process
• Valuation and Risk Models book 4
• Financial Risk Management
• Risk Management Lecture
• Foundations of Risk Management
• Risk defining risk
• Financial Markets and Products
• Valuation and Risk Models
• Financial Risk Management FRM book 1
• Enterprise risk management
• Insurance market dynamics
• Financial risk manager
• Financial risk
• Financial manager
• Market risk management
• Credit risk management
• Integrated risk management
• Investment risk management
• Probability distribution
• Application in risk management
• financial and regulatory contexts
• asset and risk management
• underlying theories of asset management
• asset management and risk management
• quản lý tài sản và quản lý rủi ro
• Project management
• Lecture Project management in practice
• Project risk management
• Risk identification
• Risk analysis
• Risk on society
• Techniques for managing risk
• Finance management
• Fundamentals of finance management
• Derivatives and risk management
• Derivative securities
• Fundamentals of risk management
• Using derivatives
• Thesis abstract Banking – Finance
• Improving credit risk management capacity
• Credit risk management capacity
• Risk management capacity at Techcombank
• Risk management capability
• Information technology project management
• Information technology project
• Risk management planning
• Qualitative risk analysis
• Quantitative Analysis book 2
• Financial Markets and Products book 3
• Managing spot risk
• Managing forward risk
• Managing vanilla options risk
• Managing exotic options risk
• Credit risk
• Ideally insurable risk